There are many types of policies lending different coverage's and costs.  It's important to focus first on the quality of coverage and second on the means to control the cost of that coverage.  Be prepared to honestly provide the square footage area of the space you occupy, your gross annual sales, your annual payrolls and the value of your business property, among other things.  These are all factors used to calculate a premium for the various coverage's you may need.  For property coverage's, higher deductibles (the amount deducted from a claim payment) is one way to drive down costs.  Alarms and measures to control losses such as fire sprinklers, low temperature monitors, cameras, automatic water shutoff devices are examples of methods to drive down property insurance costs.  Camera's can also drive down crime losses and even help to defend you in a liability claim such as a slip and fall case.  One word of caution on camera's:  Be sure to keep records for as long as reasonably possible since liability claims are often presented just before the statute of limitations expires.  Memories can be foggy making these claims harder to defend.  It also means that the video record has been overwritten since your software only retains the video for up to 30 days when you really needed it for two years.  You are welcome to contact me to help design a plan that's best for your circumstances.